


In early 2023, rates are declining, particularly the 5 Year SONIA SWAP rate, signalling a positive shift. Lenders are creatively addressing challenges like high stress testing by introducing reduced rates and alternative fee structures to support high-leverage borrowing.

In early 2023, rates are declining, particularly the 5 Year SONIA SWAP rate, signalling a positive shift. Lenders are creatively addressing challenges like high stress testing by introducing reduced rates and alternative fee structures to support high-leverage borrowing.
Joseph co-founded T&T Finance with his brother Samuel in 2017.
Joseph is responsible for building up our client book and meets with clients and lenders face to face.